When Lady Henley Killigrew's father dies and his title of earl passes to a not-so-friendly cousin who wants her and her two younger sisters out of their elegant London townhouse, she takes them to Moonstone Cottage, a lovely manor house they inherited from a maiden aunt in the Cornwall seaside village of Moonstone Landing. But their funds are limited, and the new earl is a stingy guardian who will not loosen the purse strings to allow her to properly maintain herself and her sisters in their new home. The only way to save them all is for her to marry.

A dutiful army officer who shuns intimacy. A selfless beauty ready to start living for herself. A chance meeting in the street that leads to love. When Major Spencer Haddock’s father dies, he returns to England as the Earl of Middlefield. He seeks a typical ton marriage, where his wife will provide him with an heir and possibly other children and then they go their separate ways. He intends to find his countess quickly and not waste time at boring social affairs.

Lady Emmaline Fitzhugh, a hopeless romantic, is tired of sitting with the wallflowers, waiting for her betrothed to come to his senses and marry her. When Emmaline reads one too many reports of his scandalous liaisons in the gossip rags, she takes matters into her own hands.

Lord Robert Dennington, the Marquess of Westfield, has long reveled in the freedom afforded him as the ducal heir. He knows he must someday do right by the Somerset line, but he's in no hurry to give up his carefree existence.Helena Banbury is a bookkeeper in a gentleman's gambling club, adept at analyzing numbers and accounts but helpless for lack of influence.

After Cordelia Channing endures the lethal winter alone in the Rocky Mountains, she is discovered by Thomas Nash, a solitary mountain man who wants only to hunt and be left alone to grieve the woman he could not save. Delia aches to go east, but over the days and miles, she finds her battered spirit yearning for this self-reliant trapper, who stirs her longing and wakes her heart.